Available to full-time students
Minimum balance to open the account- You must deposit $100.00 to open
this account

Regular Checking

Minimum balance to open the account- You must deposit $300.00 to open
this account

Minimum balance to avoid imposition of fees- If your balance falls below
$200.00 on any day in the monthly statement cycle we will impose a
maintenance fee of $8.00 once during the statement cycle. If your
balance is at least $200.00 on every day in the monthly statement cycle
but falls below $400.00 on any day during the monthly statement cycle we
will impose a maintenance fee of $7.00 once during the statement cycle.
If your balance is at least $400.00 on every day in the monthly
statement cycle but falls below $600.00 on any day during the monthly
statement cycle we will impose a maintenance fee of $6.00 once during
the statement cycle.

Now Account

Minimum balance to open the account- You must deposit $1,500.00 to open
this account

Rate Information- Your interest rate and annual percentage yield may
change. We may change the interest rate on your account at any time.

Determination of rate- At our discretion, we may change the interest
rate on your account.

Compounding and crediting frequency- Interest will be compounded every
month. Interest will be credited to your account every month.

Effect of closing an account- If you close your account before interest
is credited, you will not receive the accrued interest.

Minimum balance to avoid imposition of fees- A minimum balance fee of
$10.00 will be imposed every statement cycle if the balance of the
account falls below $1,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed- You
must maintain a minimum daily balance of $1,500.00 to obtain the
disclosed annual percentage yield.

Average daily balance computation method- We use the average daily
balance method to calculate the interest on your account. This method
applies a periodic rate to the average daily balance in the account for
the period. The average daily balance is calculated by adding the
principal in the account for each day of the period and dividing that
figure by the number of days in the period. The period we use is a
monthly statement cycle.

Super Now Account

Minimum balance to open the account- You must deposit $2,500.00 to open
this account

Rate Information- Your interest rate and annual percentage yield may
change. We may change the interest rate on your account at any time.

Determination of rate- At our discretion, we may change the interest
rate on your account.

Compounding and crediting frequency- Interest will be compounded every
week. Interest will be credited to your account every month.

Effect of closing an account- If you close your account before interest
is credited, you will not receive the accrued interest.

Minimum balance to avoid imposition of fees- A minimum balance fee of
$10.00 will be imposed every statement cycle if the balance of the
account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed- You
must maintain a minimum daily balance of $2,500.00 to obtain the
disclosed annual percentage yield.

Average daily balance computation method- We use the average daily
balance method to calculate the interest on your account. This method
applies a periodic rate to the average daily balance in the account for
the period. The average daily balance is calculated by adding the
principal in the account for each day of the period and dividing that
figure by the number of days in the period. The period we use is a
monthly statement cycle.

Money Market Deposit Account

Minimum balance to open the account- You must deposit $2,500.00 to open
this account.

Rate Information- Your interest rate and annual percentage yield may
change. We may change the interest rate on your account at any time.

Determination of rate- At our discretion, we may change the interest
rate on your account

Compounding and crediting frequency- Interest will be compounded every
month. Interest will be credited to your account every week.

Effect of closing an account- If you close your account before interest
is credited, you will not receive the accrued interest.

Minimum balance to avoid imposition of fees- A minimum balance fee of
$10.00 will be imposed every statement cycle if the balance of the
account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed- You
must maintain a minimum daily balance of $2,500.00 to obtain the
disclosed annual percentage yield.

Average daily balance computation method- We use the average daily
balance method to calculate the interest on your account. This method
applies a periodic rate to the average daily balance in the account for
the period. The average daily balance is calculated by adding the
principal in the account for each day of the period and dividing that
figure by the number of days in the period. The period we use is a
monthly statement cycle